JP2013196656A - Automatic transaction device and automatic transaction system - Google Patents

Abstract

It is an object of the present invention to provide an automatic transaction apparatus and an automatic transaction system for presenting an appropriate donation amount according to a user's deposit balance, transaction amount, and financial product transaction, and for guiding the donation. .
An automatic transaction apparatus comprising a display processing unit, a communication unit that communicates with a host device, and a control unit that controls each unit, wherein the communication unit provides a user of the automatic transaction device. , Calculated according to the display instruction of the screen for depositing in the first account predetermined in the host device, the balance of the second account that is the user's account and the transaction content of the user After receiving the deposit amount to the first account, the control unit causes the display processing unit to display the screen and the deposit amount to the first account.
[Selection] Figure 3

Description

  The present invention relates to an automatic transaction apparatus and an automatic transaction system.

  As background art of this technical field, Patent Document 1 describes depositing into a fund-raising account according to a customer's selection in the flow of an automatic transaction apparatus that executes transaction processing such as cash transactions and account transactions in accordance with customer operations. It is described that the fund-raising process is incorporated. Further, Patent Document 2 describes providing an automatic transaction apparatus and method that realizes making a donation to a pre-registered donation destination desired by a customer quickly with a simple operation.

JP 11-167598 A Japanese Patent Laid-Open No. 11-272766

  In the case of Patent Document 1, when a payment transaction is performed in an automatic transaction apparatus (hereinafter referred to as “ATM”) installed in a financial institution or the like, the presence / absence of an account balance is determined. It describes that the screen is displayed on the customer operation screen. When the user selects a fund-raising target from the screen, the process proceeds to a fund-raising process according to the selected content, and the specified amount is subtracted from the account balance, and the deposit process is performed on the fund-raising target account. However, if the user has to specify the amount to be raised and the user has not considered the amount to be raised in advance, it takes time to consider the amount to be raised. Therefore, the ATM stay time may increase. In addition, it is assumed that the ATM stay time increases due to an operation mistake when the donation amount is designated on the screen.

  Further, in the case of Patent Document 2, when the “donation transaction” button displayed on the customer waiting screen is pressed, a selection screen for a donation target and an input screen for a donation amount are displayed on the customer operation screen, and a user selection is made. It describes that the fund-raising process is performed according to the content. However, since the “donation transaction” button is displayed on the customer waiting screen, it is unlikely that a user other than the user who intends to donate will press the “donation selection” button.

  In view of the above-mentioned problems, the present invention provides an automatic transaction apparatus and an automatic transaction system for presenting an appropriate donation amount and guiding the donation according to transactions such as a deposit balance of a user, a transaction amount, and a financial product. The purpose is to provide.

  In order to solve the above-described problems, the present invention employs the following configuration. That is, an automatic transaction apparatus including a display processing unit, a communication unit that communicates with a host device, and a control unit that controls each unit, and in the communication unit, for the user of the automatic transaction device, Calculation according to the display instruction of the screen to make the deposit to the first account (fund raising account) predetermined by the host device, the balance of the second account, which is the user's account, and the transaction contents of the user After receiving the received deposit amount to the first account, the control unit causes the display processing unit to display the screen and the deposited amount to the first account.

  According to the present invention, it is possible to display on the ATM a donation guide screen including an appropriate donation amount calculated from the account balance of the user and the transaction contents of the user. Therefore, it is possible to guide the user to donate money.

It is an external view of ATM. It is a functional block diagram of an automatic transaction system. 3 is a flowchart illustrating processing in the first embodiment. It is a flowchart which shows the process which determines a donation calculation table. It is a figure which shows the donation calculation table in Example 1. FIG. It is a figure which shows the donation calculation table in Example 1 (another example). It is a figure which shows a donation guidance screen. It is a flowchart which shows the process in Example 2 (in the case of a deposit amount). It is a figure which shows the donation calculation table in Example 2 (in the case of a money-out amount). It is a figure which shows the donation calculation table in Example 2. FIG. 10 is a flowchart illustrating processing in the third embodiment. It is a figure which shows the donation calculation table in Example 3. FIG.

  The present embodiment will be described in detail with reference to FIGS. In this embodiment, it is assumed that no cash transaction occurs in addition to the balance inquiry.

  FIG. 1 is an external view of the ATM 100. In the customer service unit of the ATM 100, a passbook processing unit 101, a card processing unit 102, a coin processing unit 103, a banknote processing unit 104, and a touch panel 105 are provided.

  The passbook processing unit 101 inserts and discharges a passbook used at the time of transaction through the passbook insertion port 101a. Further, printing on the inserted bankbook is executed by a printing unit (not shown). Further, the magnetic head (not shown) reads information on the magnetic stripe attached to the passbook and writes information on the magnetic stripe.

  The card processing unit 102 inserts and discharges a cash card used at the time of transaction through the card insertion slot 102a. Also, the reader / writer (not shown) of the magnetic head or IC chip, reading of the magnetic stripe or IC chip information attached to the card, and writing of information to the magnetic stripe or IC chip are executed.

  The coin processing unit 103 executes a coin deposit / withdrawal process, a discrimination process, and the like via the coin deposit / withdrawal port 103a. Moreover, the banknote process part 104 performs the banknote depositing / withdrawing process, a discrimination process, etc. via the banknote depositing / withdrawing port 104a. The touch panel 105 has a function as a display processing unit, displays transaction information, and accepts input of transaction information by a customer operation.

  The operation unit of the ATM 100 may be provided with a handset for use by visually impaired persons, elderly people, etc., a biometric information reader for biometric authentication, and the like.

  FIG. 2 is a functional block diagram of the automatic transaction system. A plurality of ATMs 101 a to 101 e and a host computer 200 a that is a host device are connected via a network 201. Although FIG. 2 shows a state in which five ATMs 100 are connected, the number of ATMs 100 to be connected is arbitrary.

  In addition to the bankbook processing unit 101, the card processing unit 102, the coin processing unit 103, the banknote processing unit 104, and the touch panel 105, the ATM 100 (which will be described using the ATM 100a as an example) communicates with the host computer 200a. A communication unit 106 to perform and a control unit 107 for controlling each unit are provided.

  The host computer 200a is connected to a database 200b for recording user information, receives transaction notifications, medium information, etc. from the ATM for each transaction, and transmits user information, etc. acquired from the database 200b to the ATM. . In addition, the database 200b stores user account balance information (account balance, account balance fluctuation values, etc.) and information such as financial products handled by the user.

  Hereinafter, the process (when the user makes a balance inquiry) in the present embodiment will be described using the flowchart shown in FIG. First, the control unit 107 displays a customer waiting screen (not shown) on the touch panel. It is assumed that the customer waiting screen has a “balance inquiry button” for confirming the account balance of the user recorded in the database 200b connected to the host computer 200a.

  After determining that the balance inquiry button has been pressed by the user (step 301) and determining that a medium (passbook or card) has been inserted (step 302), the control unit 107 inputs the password on the touch panel 105. A screen (not shown) is displayed. After determining that the password has been input by the user (step 303), the control unit 107 executes an inquiry of customer information and confirmation of the presence / absence of “event donation” with respect to the host computer 200a (step 304). . Here, “event fund-raising” means that a large amount of fund-raising is required in a short period of time, such as support for reconstruction after the earthquake.

  If there is an “event donation” (step 304: YES), the host computer 200a refers to the account balance information of the user recorded in the database 200b and confirms whether there is an account balance (step 305). When there is an account balance (step 305: YES), the host computer 200a confirms the value and number of digits of the account balance and the fluctuation value of the account balance (step 306). Here, the fluctuation value of the account balance is the difference between the maximum value of the account balance for a predetermined period (eg, one month before the balance inquiry to the balance inquiry) and the balance at the time of the balance inquiry. Indicates the value. Note that the maximum value of the account balance for a predetermined period is periodically confirmed by the host computer 200a.

  Based on the number of digits of the account balance acquired in step 306, the host computer 200a confirms a donation calculation table recorded in a storage unit (not shown) (step 307), and the number of digits of the account balance and the fluctuation value of the account balance. Based on the above, a donation amount is calculated (step 308).

  FIG. 4 is a flowchart showing the process for determining the fund-raising calculation table in step 307. In step 306, the number of digits of the account balance confirmed is determined. When the deposit balance is 1 to 3 digits (step 401: YES), the amount of money to be donated is calculated according to the money collection calculation table A (step 402). When the deposit balance is 4 to 6 digits (step 403: YES), the amount of donation is calculated according to the donation calculation table B (step 404). When the deposit balance is 7 digits or more (step 403: NO), the amount of donation is calculated according to the donation calculation table C (step 405). Note that the flowchart of FIG. 4 is also applicable to Examples 2 and 3 described later.

  Hereinafter, the calculation of the donation amount in step 308 will be described in detail. In the case of the present embodiment, from the fluctuation value of the account balance, the number of donations corresponding to the corresponding area of the corresponding donation calculation table is regarded as a fraction of the account balance, and the fraction is set as the amount of money to be raised.

  FIG. 5 is a diagram showing the donation calculation tables A, B, and C. In the donation calculation tables 501 to 503, the number of donation digits is set larger as the account balance is higher and the fluctuation value of the account balance is larger plus. For example, when the account balance is 7,654,321 yen and the fluctuation value X is 19,000, the donation amount is calculated using the donation calculation table C503. At this time, since the fluctuation value X of the account balance is “X> 10,000”, the number of donation digits “4” in the area C-1 is used, and the amount of donation is 4,321 yen.

  FIG. 6 is a diagram illustrating an example of fund-raising calculation tables A, B, and C different from those in FIG. The donation calculation tables 601 to 603 are examples in which the number of donation digits is set larger as the account balance is higher and the absolute value of the account balance fluctuation value is larger. For example, when the account balance is 54,321 yen and the fluctuation value X is 300, the fund-raising amount is calculated using the fund-raising calculation table B602. At this time, since the variation value X of the account balance is “100 ≦ X <10,000”, the number of donation digits “2” in the area B-2 is used, and the amount of donation is 21 yen. Note that the number of donation digits in the donation calculation tables A, B, and C can be freely set.

  Returning to FIG. 3, when the donation amount calculated in step 308 is 1 yen or more (step 309: YES), the host computer 200a provides the ATM 100 with an account balance and a donation guide including the calculated donation amount. A screen display instruction is notified (step 310).

  In the ATM 100 that has received the account balance and a display instruction for displaying a donation guide screen including the calculated donation amount, the control unit 107 displays the account balance on the touch panel 105 (step 311). After the display of the account balance, when there is an instruction to display a donation guide screen including the calculated donation amount (step 312: YES), a donation guide screen 700 as shown in FIG. 7 is displayed on the touch panel 105 (step 313). ).

  The donation guidance screen 700 displays a donation guidance field 701, a “donate” button 702 for manually inputting a donation amount, and a “don't donate” button 703 for not making a donation. The donation guidance field 701 displays a donation amount 701a, a “donate” button 701b for inputting an amount corresponding to the donation amount 701a, and a balance 701c after the donation.

  The “donate” button 701b also displays a donation amount 701a, and when the user presses the “donate” button 701b, the displayed donation amount is transferred from the account balance to the account to be donated. Is done. It should be noted that the fund-raising target account is designated by the host computer 200a.

  As described above, by displaying the donation amount 701a together with the “donate” button 701b, even for a user who does not use the ATM for the purpose of donation, the donation amount is not displayed on the donation guide screen. Compared to this, the opportunity to guide fund-raising increases. Further, by displaying the balance 701c after the donation, the user can easily grasp that the donation amount 701a in the donation guidance field 701 indicates the fraction of the account balance.

  It is assumed that the “donate” button 702 for manually inputting the donation amount is selected when it is desired to donate an amount different from the amount displayed in the donation amount 701a.

  On the other hand, a user who does not wish to donate presses the “don't donate” button 703 (or does not operate anything for a certain period of time), and the transaction is terminated with no intention of fund-raising.

  Returning to FIG. 3, when the “donate” button 701 a is selected by the user on the donation guidance screen 700 (step 314: YES), the control unit 107 notifies the host computer 200 a of a donation instruction ( Step 315). After receiving the donation instruction notification, the host computer 200a subtracts the calculated donation amount from the user's account balance and adds the donation amount to the account to be donated (step 316). With the processing in step 316, fund-raising has been performed. Thereafter, the host computer 200a notifies the ATM 100 of the completion of the fund-raising (step 317). In the ATM 100 that has received the fund-raising completion, the control unit 107 completes the transaction by discharging the medium (step 318).

  When there is no “event donation” (step 304: NO), when there is no account balance of the user (step 305: NO), and when the calculated donation amount is 0 yen (step 309: NO) Then, the host computer 200a does not calculate the donation amount and notifies the ATM 100 not to display the donation amount and the donation guide screen (step 319). In step 319, instead of an instruction not to display the donation amount and the donation guide screen, an instruction to display a donation information screen that does not display the donation amount (a donation guide screen that does not display the donation induction field 601) may be notified. .

  As described above, it is possible to display on the touch panel 105 of the ATM 100 the donation guidance screen including an appropriate donation amount calculated from the account balance of the user and the fluctuation value of the account balance. As a result, it is possible to make a quick donation without requiring the user to specify a donation amount, and the ATM stay time is shortened. In addition, the number of erroneous operations when specifying the amount raised is reduced.

  The present embodiment will be described in detail with reference to FIGS. In the present embodiment, it is assumed that the user performs cash transactions such as deposit / withdrawal at an ATM. In addition, the ATM, the configuration of the automatic transaction system, the process for determining the fund-raising calculation table, and the fund-raising guidance screen in the present embodiment are the same as those in FIGS. 1, 2, 4, and 7, respectively. Omitted.

  Hereinafter, the process (when a user performs a cash transaction) in a present Example is demonstrated using the flowchart shown in FIG. First, the control unit 107 displays a customer waiting screen (not shown) on the touch panel. After determining that the deposit button or the withdrawal button has been pressed by the user (step 801) and determining that a medium (passbook or card) has been inserted (step 802), the control unit 107 controls the touch panel 105. A password input screen (not shown) is displayed. After determining that the password has been input by the user (step 803), the control unit 107 executes a deposit transaction or a withdrawal transaction (step 804). In step 804, the control unit 107 performs a notification of deposit or withdrawal and confirmation of the presence / absence of “event donation” to the host computer 200a (step 804).

  If there is an “event donation” (step 805: YES), the host computer 200a refers to the user's account balance information recorded in the database 200b and confirms whether there is an account balance (step 806). If there is an account balance (step 806: YES), the host computer 200a confirms the value and the number of digits of the account balance and the transaction amount (payment amount or withdrawal amount) (step 807).

  Based on the number of digits of the account balance acquired in step 807, the host computer 200a checks a donation calculation table recorded in a storage unit (not shown) (step 808), and based on the number of digits of the account balance and the transaction amount. Then, the amount of donation is calculated (step 809). The process for determining the donation calculation table is the same as that in the first embodiment (FIG. 4).

  Hereinafter, the calculation of the donation amount in step 809 will be described in detail. In the case of the present embodiment, the number of donations corresponding to the corresponding area of the corresponding donation calculation table from the transaction amount is regarded as a fraction of the account balance, and the fraction is used as the amount of the donation.

  FIG. 9 is a diagram showing the donation calculation tables AD, BD, CD, and FIG. 10 is a diagram showing the donation calculation tables AW, BW, CW. The donation calculation tables AD901, BD902, and CD903 are donation calculation tables used at the time of deposit transaction. The larger the transaction amount is, the larger the number of donation digits is set. On the other hand, donation calculation tables AW1001, BW1002, and CW1003 are donation calculation tables used at the time of a withdrawal transaction. The smaller the transaction amount, the larger the number of donation digits. As described above, the reason for changing the method for setting the number of donation digits between the deposit transaction and the withdrawal transaction is ●●●●●●●●●●●●●. For example, when the account balance is 7,654,321 yen and the deposit amount X is 8,000, the donation amount is calculated using the donation calculation table CD903. At this time, since the deposit amount X is “X <10,000”, the number of donation digits “2” in the area CD-2 is used, and the donation amount is 21 yen. It should be noted that the number of donation digits of the donation calculation tables AD, BD, CD, AW, BW, and CW can be freely set.

  Returning to FIG. 8, if the donation amount calculated in step 809 is 1 yen or more (step 810: YES), the host computer 200a gives the ATM 100 a donation guide including the account balance and the calculated donation amount. A screen display instruction is notified (step 811).

  In the ATM 100 that has received the account balance and a display instruction for displaying a donation guide screen including the calculated donation amount, the control unit 107 displays the account balance on the touch panel 105 (step 812). After the display of the account balance, if there is an instruction to display a donation guide screen including the calculated donation amount (step 813: YES), the donation guide screen 700 is displayed on the touch panel 105 (step 814).

  When the “donate” button 701a is selected by the user on the donation guidance screen 700 (step 815: YES), the control unit 107 notifies the host computer 200a of a donation instruction (step 816). After receiving the donation instruction notification, the host computer 200a subtracts the calculated donation amount from the account balance of the user and adds the donation amount to the account to be donated (step 817). With the processing in step 817, fund-raising has been performed. Thereafter, the host computer 200a notifies the ATM 100 of the completion of the fund-raising (Step 818). In the ATM 100 that has received the fund-raising completion, the control unit 107 completes the transaction by discharging the medium (Step 819).

  When there is no “event donation” (step 805: NO), when there is no account balance of the user (step 806: NO), and when the calculated donation amount is 0 yen (step 810: NO) Then, the host computer 200a does not calculate the donation amount and notifies the ATM 100 not to display the donation amount and the donation guidance screen (step 820).

  As described above, in the case of the second embodiment, it is possible to display the donation guidance screen including the appropriate donation amount calculated from the account balance of the user and the amount of the deposit transaction or withdrawal transaction on the touch panel 105 of the ATM 100. It is said.

  The present embodiment will be described in detail with reference to FIGS. In the present embodiment, it is assumed that the user has performed a transaction such as a financial product using ATM. Further, the ATM, the configuration of the automatic transaction system, the process for determining the fund-raising calculation table, and the fund-raising guide screen in the present embodiment are the same as those in FIGS. 1, 2, 4, and 7, respectively. Therefore, detailed description is omitted.

  Moreover, although it is a flowchart of the process in this embodiment shown in FIG. 11 (when a transaction such as a financial product is executed), it is almost the same as steps 801 to 820 in the flowchart (FIG. 8) showing the process in the second embodiment. Therefore, detailed description is omitted. The difference is that (1) step 1104: the control unit 107 starts a transaction of financial products, and (2) step 1107: the host computer 200a determines the value and number of digits of the account balance and the transaction financial products. And (3) Step 1109: A method for calculating a donation amount.

  Hereinafter, the calculation of the donation amount in step 1109 will be described in detail. In the case of the present embodiment, the number of donations corresponding to the corresponding area of the corresponding donation calculation table from the transaction amount is regarded as a fraction of the account balance, and the fraction is used as the amount of the donation.

  FIG. 12 shows donation calculation tables AF, BF, and CF. The donation calculation tables 1201 to 1203 change the number of donation digits according to the type of financial product. For example, for financial product A (example: ●●●●), the number of donations is set large for ●●●, and for financial product D (example: ●●●●), the number of donations is set for ●●●. Set smaller. In addition, for financial products B and C (for example, ●●●●), the number of donation digits is intermediate between financial products A and D because of ●●●. For example, when the account balance is 7,654,321 yen and the transaction financial product is C, the donation amount is calculated using the donation calculation table CF1203. At this time, the number of donations “3” in the area CF-2 corresponding to the transaction financial product C is used, and the donation amount is 321 yen. It should be noted that the number of donation digits of the donation calculation tables AD, BD, CD, AW, BW, and CW can be freely set.

  As described above, in the case of the third embodiment, it is possible to display the donation guidance screen including the appropriate donation amount calculated from the account balance of the user and the transaction financial product of the user on the touch panel 105 of the ATM 100. .

  Also, in any of the embodiments, since the amount of donation is calculated and displayed for the ATM user, particularly for users who have a potential intention of donation or users who are not willing to donate. Can also be expected to raise money.

100: ATM, 101: Passbook processing unit, 102: Card processing unit, 103: Coin processing unit, 104: Bill processing unit, 105: Touch panel, 200a: Host computer, 200b: Database, 700: Fund-raising guidance screen, 501-503 , 601 to 603, 901 to 903, 1001 to 1003, 1201 to 1203: donation calculation table

Claims (8)

An automatic transaction apparatus comprising a display processing unit, a communication unit that communicates with a host device, and a control unit that controls each unit,
In the communication unit, for the user of the automatic transaction apparatus, an instruction to display a screen indicating that the first account predetermined by the host apparatus is to be deposited, and a second account that is the user account After receiving the balance and the deposit amount to the first account calculated according to the transaction details of the user,
The said control part makes the said display process part display the said screen and the money_receiving | payment amount to said 1st account, The automatic transaction apparatus characterized by the above-mentioned. An automatic transaction apparatus according to claim 1, wherein
An automatic transaction apparatus, wherein the number of digits of the deposit amount to the first account is changed according to the number of digits of the balance of the second account. An automatic transaction apparatus according to claim 1 or claim 2, wherein
The automatic transaction apparatus, wherein the transaction process of the user is an inquiry of an account balance of the second account. An automatic transaction apparatus according to claim 1 or claim 2, wherein
The automatic transaction apparatus characterized in that the transaction process of the user is a deposit process to the second account or a withdrawal process from the second account. An automatic transaction apparatus according to claim 1 or claim 2, wherein
The user transaction process is a transaction process for a financial product. The automatic transaction apparatus according to any one of claims 1 to 5,
In the screen, if it is specified to deposit the first account,
The communication unit subtracts the deposit amount to the first account from the balance of the second account and gives an instruction to add the deposit amount to the first account to the first account. An automatic transaction apparatus characterized by being transmitted to An automatic transaction system comprising an automatic transaction device, a database, the automatic transaction device and a host device connected to the database,
The automatic transaction apparatus includes a display processing unit,
The host device displays a screen for allowing the user of the automatic transaction device to make a deposit to a first account predetermined by the host device among the accounts recorded in the database. An instruction, a balance of a second account different from the first account recorded in the database, and a deposit amount to the first account calculated according to a transaction process of a user of the second account; Is transmitted to the automatic transaction apparatus. An automatic transaction apparatus according to claim 7, wherein
The automatic transaction apparatus displays the screen and the deposit amount to the first account on the display processing unit after receiving the first instruction and the deposit amount to the first account, In the screen, when it is specified that the deposit to the first account is made, the deposit amount to the first account is subtracted from the balance of the second account, and the first account is transferred to the first account. A second instruction to add the deposit amount is sent to the host device,
The host device, after receiving the second instruction, subtracts the deposit amount to the first account from the balance of the second account, and deposits the deposit amount to the first account to the first account. An automated trading system characterized by adding.

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